The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,393
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$297/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,964/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,450
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$284/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,028/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,272
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$357/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,958/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,540
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$341/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,434/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,150
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$416/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,950/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$398/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$534/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$512/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,968 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).